Loan Programs

Find the Right Loan for Your Goal

Residential in FL & GA. DSCR & Commercial in all 50 states.

Home Purchase & Refinance

Licensed in Florida & Georgia. FHA, VA, and Conventional for every type of buyer.

FHA Loans
3.5% Down
FL & GA Only

FHA Loans

Government-backed loans through the Federal Housing Administration. Ideal for first-time buyers or those with less-than-perfect credit. Flexible qualifying standards.

  • Min 3.5% down (580+ credit)
  • Credit scores from 580 considered
  • Seller can cover up to 6% closing costs
  • Primary residence only
Apply for FHA Loan
VA Loans
0% Down
FL & GA Only

VA Loans

Exclusively for veterans, active-duty, and eligible surviving spouses. Zero down, no PMI, and some of the most competitive rates available anywhere.

  • Zero down payment required
  • No private mortgage insurance
  • Competitive interest rates
  • Backed by the U.S. Dept. of Veterans Affairs
Apply for VA Loan
Conventional Loans
From 1% Down
FL & GA Only

Conventional Loans

Flexible financing for primary residences, second homes, and investment properties. Available with as little as 1% down for qualified borrowers with solid credit.

  • As low as 1% down for qualified buyers
  • Primary, second homes, investments
  • No upfront MIP
  • PMI removable at 20% equity
Apply for Conventional
Investment & Commercial

Available in All 50 States

No W-2s. No personal tax returns. Qualify based on the property — not your income.

DSCR Loans
All 50 States
Nationwide 

DSCR Investor Loans

The property's rental income qualifies the loan — your personal income, employment, and tax returns are not required. Built for real estate investors.

  • No W-2s or personal tax returns
  • Qualified by rental income (DSCR ≥1.0)
  • SFR, condos, 2–4 units
  • Short-term rental income considered
  • All 50 states
Apply for DSCR Loan
Commercial Loans
All 50 States
Nationwide 

Commercial Real Estate

Financing for commercial and income-producing properties. Multi-family, retail, office, industrial, and mixed-use for owner-occupants and investors alike.

  • Multi-family (5+ units)
  • Retail, office, industrial
  • Mixed-use properties
  • Owner-occupied & investment
  • All 50 states
Apply for Commercial
Refinance
FL & GA (Residential) All States (Investment)

Refinance Programs

Lower your rate, shorten your term, or pull equity from a property you already own. Rate-and-term and cash-out options for residential and investment.

  • Rate & Term Refinance
  • Cash-Out Refinance
  • Residential and investment
  • DSCR cash-out refi available
Apply for Refinance
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